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How to explain the insurance certificate simply?

Employers don't need to be pension experts to explain the insurance certificate. The key is to proactively provide resources, translate the most important terms, and refer detailed questions to specialists. This creates clarity, shows appreciation, and builds team trust.

Making the insurance certificate understandable for your team

The annual dispatch of the insurance certificate, often also called the pension fund certificate, is an important moment for employees. The document is comprehensive and can therefore raise questions. As an employer, you are in a key position here. You don't have to be able to explain every key figure in detail, but you can provide orientation and security. This shows appreciation and strengthens employee loyalty.


The role of the employer and the pension fund

First, the good news: According to the Federal Act on Occupational Retirement, Survivors' and Disability Pension Plans (OPA), the detailed obligation to provide information lies with the pension fund. It is not the employer's job to provide comprehensive advice. Rather, you can position yourself as a supportive partner who points the way to reliable information.


Three steps for more clarity

With simple and clear communication, you can help your employees better understand their personal pension situation.

  1. Proactively provide resources

    The insurance certificate should not be handed over without comment. A short cover letter or a note in a team meeting shows that the topic is important. You should actively refer to the resources that Tellco provides:

NOTE


Support for multilingual Switzerland

Many employees feel more comfortable in their native language. The most important information and the explanation page for the insurance certificate are also available from Tellco in French and Italian. This ensures that everyone on the team is well informed.


  1. Translate the most important terms

    Often, it is just a few key terms that cause uncertainty. Explaining them simply can already create a lot of clarity.

    • Retirement savings: This is the capital saved to date for your old-age pension. It consists of contributions from the employee and employer, any buy-ins, and interest.
    • Insured salary: This is the portion of the salary on which pension fund contributions are calculated. It is derived from the annual salary minus the coordination deduction.
    • Potential buy-in amount: This amount can be voluntarily paid into the pension fund to increase future old-age benefits. A buy-in is often tax-deductible.

  2. Refer to Tellco for detailed questions

    For individual and personal questions – for example, about a voluntary buy-in, the promotion of home ownership, or the effects of a divorce – direct consultation with our specialists is the right approach. Employees should be encouraged to contact us directly with such concerns.


Practical tools for internal communication

To facilitate communication, we provide concrete templates here.

TIP


Templates for practical use

Key points for communication:

  • Distribute insurance certificates: Ensure all employees receive their document.
  • Inform proactively: Use a short team meeting, an email, or an intranet post to draw attention to the dispatch.
  • Share resources: Refer directly to the explanation page for the insurance certificate and the ePlix customer portal.
  • Name the contact person: Clearly communicate that the Tellco team is the right contact for personal questions.

Sample text for an email to employees:

Subject: Your new insurance certificate has arrived

Dear employees,

You will soon receive your personal insurance certificate for the current year. This document provides you with an important overview of your pension provision.

To make it easier for you to understand, we recommend the following official Tellco resources:

Do you have personal questions about your pension situation, for example about a buy-in or the promotion of home ownership? Please contact the experts at Tellco directly.

Kind regards,

[Your Name/Your Company]


Do employees have further questions? Our team is happy to assist them. The easiest way to do this is via our contact form.

Legal Notice: The content provided in this Knowledge center is intended solely for general informational purposes. It does not constitute binding information, does not replace legal, tax, financial or any other professional advice, and does not contain any recommendation to enter into, amend, or terminate contracts.

The information is prepared with due care and updated regularly. Nevertheless, the companies of the Tellco Group do not assume any guarantee for the accuracy, completeness or timeliness of the content. The only authoritative sources are the applicable legal provisions, the relevant regulations, and the official product and contract documentation, including individual contracts and the pension plans of the respective responsible company.

Use of the content is at your own risk. To the extent permitted by law, the companies of the Tellco Group exclude any liability for direct or indirect damages arising from the use of or reliance on the content of the Knowledge Centre. Furthermore, the general legal notices on www.tellco.ch apply.